Financial Trust
Financial Trust received 114 applications in 2025 and made 75 mortgages, in 6 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $95,000. Of 99 decisions, 23 were denials — 23.2%.
| Legal Entity Identifier | 254900L3N47KFV5KSJ32 |
|---|---|
| Applications received | 114 |
| Mortgages made | 75 |
| Denied | 23 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 17 | Not published | $225,000 | 18.2% |
| Refinancing | 14 | Not published | $115,000 | 17.7% |
| Cash-out refinancing | 10 | Not published | $80,000 | 0.0% |
| Other purposes | 34 | Not published | $45,000 | 32.0% |
Where Financial Trust lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Erie County, NY | 62 | Not published | 25.9% |
| Chautauqua County, NY | 8 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 2 | Under 10 loans | 0.0% |
| Allegany County, NY | 1 | Under 10 loans | 0.0% |
| Niagara County, NY | 1 | Under 10 loans | 50.0% |
| Sullivan County, NY | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Financial Trust’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.